77 Bank (77 Bank)
ConfidenceLikelyUpdated2026-07-30Review by2026-11-15Sources5Machine-translatedOriginal (JA)
On this page
- TL;DR
- 1. Company overview
- Characteristics of the business model
- Major affiliated companies (principal group)
- Dawn period: from the National Bank Ordinance to a joint-stock bank
- Postwar〜bubble era
- Since the Great East Japan Earthquake (most important)
- Geographic base
- Competitive landscape
- Points on the single path
- Sense of scale (based on public information)
- 5. Regulation and policy
- 6. Branding and culture
- Related
- Sources
Wiki route
This entry sits under regional-banks INDEX. Read it against Fidea HD for peer / contrast context and banking index for the broader system / regulatory boundary.
TL;DR
The largest regional bank in the Tohoku region, headquartered in Sendai City, Miyagi Prefecture, TSE PRIME 8341. Founded in Sendai in 1878-12-09 as the 77th National Bank, renamed in 1898 to The 77 Bank, Ltd. It maintains a single-bank structure (no holding-company conversion), with overwhelming share within Miyagi Prefecture and a presence across the 6 Tohoku prefectures plus the Tokyo metropolitan area. Nicknamed “Shichi-shichi” / “77”. Although the 2011-03-11 Great East Japan Earthquake caused catastrophic damage around the Sendai head office, it functioned as the core of reconstruction finance. Total assets 10兆4,227億円, loans 6兆1,705億円 (as of end-2025-03 ). •
1. Company overview
Formal name: The 77 Bank, Ltd. • English name: The 77 Bank, Ltd. • Securities code: TSE PRIME 8341 • Established: 1878-12-09 (as the 77th National Bank; among the oldest of Japan’s currently existing banks) • Head office: 3-3-20 Chuo, Aoba-ku, Sendai City, Miyagi Prefecture • Governance design: Company with an audit and supervisory committee Principal supervision: Financial Services Agency, BOJ Sendai Branch
Characteristics of the business model
- Single bank, no holding-company conversion •
- Even among Tohoku regional banks, while proclair-hd (Aomori / Michinoku merger) and jimoto-hd (Sendai Bank + Kirayaka Bank) restructure via holding-company conversion, 77 Bank maintains a single-bank structure
- Among major regional banks, not having converted to a holding company aligns with the path of strong regional banks such as chiba-bank・shizuoka-bank・joyo-bank (→ forming Ashikaga and mebuki-fg)・bank-of-kyoto
- Member of the Regional Banks Association. Does not participate in the TSUBASA Alliance; participates in the Chiba Bank-led “Regional Revitalization and Activation Network” (the 9 行 of Chiba, Hokkaido, 77, Hachijuni, Shizuoka, Kyoto, Hiroshima, Iyo, Fukuoka) •
Major affiliated companies (principal group) •
77 Bank (single / listed 8341)
├── 77 Lease
├── 77 Credit Guarantee
├── 77 Card Co., Ltd.
├── 77 Securities
├── 77 Digital Solutions
├── 77 Insurance Service
└── (no holding company; directly operated by the bank itself)Note: For the comprehensive lineup of group subsidiaries, refer to the official disclosure publication (annual).
Dawn period: from the National Bank Ordinance to a joint-stock bank
The following table is scoped to public primary sources (77bank.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Year/Month | Event |
|---|---|
| 1872 | National Bank Ordinance promulgated (the Meiji government’s creation of a national-law banking system) |
| 1878-12-09 | 77th National Bank established (Sendai, as a shizoku-jusan business of former Sendai-domain samurai) • |
| 1893 | Act on Special Disposition before Expiry of National Bank Business → conversion to a private bank |
| 1898 | Renamed The 77 Bank, Ltd. • |
| 1932 | The 3 行 of 77 Bank, Tohoku Jitsugyo Bank, and Gojo Bank merged and were newly established as The 77 Bank, Ltd. • |
| 1949 | Listed on the Tokyo Stock Exchange • |
Postwar〜bubble era
The following table is scoped to public primary sources (77bank.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Year/Month | Event |
|---|---|
| 1950s〜1980s | Expanded the branch network across Miyagi Prefecture and all of Tohoku during the high-growth period |
| 1990s | Maintained the single path even through the regional-bank-industry restructuring period after the bubble collapse |
Since the Great East Japan Earthquake (most important)
The following table is scoped to public primary sources (77bank.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Year/Month | Event |
|---|---|
| 2011-03-11 | Great East Japan Earthquake occurs ★ Sendai head office surroundings devastated, many coastal branches damaged by the tsunami, ATMs/systems halted. Casualties among officers, staff, and customers • |
| 2011-03〜04 | Acceptance of relief donations and emergency loans; special deposit-withdrawal measures for disaster victims (handling without passbook or seal) • |
| 2012-2015 | Reconstruction 5 -year intensive period: Great East Japan Earthquake reconstruction special-loan scheme, group-subsidy-related loans |
| 2022-04 | Listed on TSE PRIME (market-segment review) • |
| 2024-05 | Announced the medium-term management plan “Vision2030 — A Leading Company that Pioneers the Future” (2024-05-10) • |
Geographic base
- Main: All of Miyagi Prefecture (Sendai City is the only government-ordinance-designated city in Tohoku and the core of the Tohoku economy) •
- Overseas representative offices: Shanghai (opened 2005-07 ) and Singapore (opened 2016-05 ), 2 bases. The New York and London offices were closed by 1999 •
Competitive landscape
The following table is scoped to public primary sources (77bank.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Competitor | Base | Relationship |
|---|---|---|
| Toho Bank | Fukushima | Major neighboring-prefecture regional bank, overwhelming share within Fukushima Prefecture |
| Bank of Iwate | Morioka | Overwhelming share within Iwate Prefecture |
| Yamagata Bank | Yamagata | Overwhelming share within Yamagata Prefecture |
| Akita Bank | Akita | Overwhelming share within Akita Prefecture |
| Aomori Bank (→ proclair-hd Michinoku merger) | Aomori | 2022 holding-company integration |
| JIMOTO Holdings jimoto-hd | Sendai・Yamagata | Sendai Bank + Kirayaka Bank, directly competing with 77 within Miyagi |
| Megabanks (mufg / smfg / mizuho-fg) | Tokyo | Compete on large-corporate / metropolitan-area transactions; 77 holds the advantage among local SME corporates |
| Shinkin / credit unions (Sendai Bank, Tohoku KK, etc.) | Various | Local micro corporates and individuals |
Points on the single path
- Merits: speed of decision-making, closeness to the region, cultural cohesion, franchise strength
Sense of scale (based on public information)
The following table is scoped to public primary sources (77bank.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Item | Scale |
|---|---|
| Total assets | 10兆4,227億円 (as of end-2025-03 ) • |
| Deposit balance | 8兆9,608億円 (as of end-2025-03 ) • |
| Loan balance | 6兆1,705億円 (as of end-2025-03 ) • |
| Employees | Consolidated 2,587 名 / non-consolidated 2,385 名 (as of end-2024-03 ) • |
Note: The above is based on securities reports. For the latest monthly / period-end figures, refer to official IR (company overview, financial results summary).
5. Regulation and policy
- Supervisor: Financial Services Agency, Tohoku Local Finance Bureau
- Deposit insurance: Member of the Deposit Insurance Corporation
- G-SIB / D-SIB designation: Not applicable (as a regional bank)
- Recent policy topics:
- 2024〜 BOJ policy-rate normalization → expectation of deposit-loan interest-margin improvement
- 2020s〜 review of the branch network in population-declining regions
- 2025〜 population-retention measures for Sendai City / Miyagi Prefecture (its position as the center of the Tohoku economy) and the role of local financial institutions
6. Branding and culture
- Origin of the bank name: The 77 th bank licensed under the National Bank Ordinance → adopting the number directly as the trade name (similarly: Daisan Bank, Hyakugo Bank, Hachijuni Bank, 18-shinwa-bank, etc.) •
- Abbreviation / common name: “Shichijushichi” / “Shichi-shichi” / “77”
- CSR: earthquake reconstruction, local education and cultural support
Related
- jimoto-hd · proclair-hd · chiba-bank · shizuoka-bank · joyo-bank · mebuki-fg
- mufg · smfg · mizuho-fg
- 18-shinwa-bank (reference for number-named regional banks)
Sources
- Wikipedia: 77 Bank (https://ja.wikipedia.org/wiki/七十七銀行, 2026-05-19 extraction. Total assets, deposits, loans, employees, subsidiaries, overseas bases, and governance design confirmed)
- 77 Bank official company overview — https://www.77bank.co.jp/77bank/company/profile.html
- 77 Bank official management policy (medium-term management plan Vision2030) — https://www.77bank.co.jp/77bank/company/keieihoushin.html
- 77 Bank 2025年3月 financial results summary — https://www.77bank.co.jp/pdf/77bank/2025/2025_4_fs.pdf
- General literature on the history of bank establishment under the National Bank Ordinance (1872)
[!info] Verification status confidence: likely (based on v1.0 Wikipedia 2026-05-19, with 2026-05-29 figure cross-checks). Qualitative information such as history, origin of the bank name, and earthquake response can be publicly confirmed via Wikipedia. Financial figures (total assets, deposits, loans, employees) are fixed based on the 2025-03 securities report; the subsidiary lineup, overseas bases, governance design, TSUBASA non-participation (participation in the Regional Revitalization and Activation Network), and medium-term management plan Vision2030 have been confirmed via official IR. Update with the latest period figures at the next review (2026-11-15).
Discovery
Keep reading
Read next
- Aichi BankAichi Bank, Ltd. is a second regional bank headquartered in Aichi Prefecture and listed on the FSA bank-license list. Under aichi fg, it is treated as the operating bank after the integratio...
- Aichi FG (あいち FG)A regional-bank financial group based in Aichi Prefecture (TSE PRIME 7389). Established through the 2022-10-03 management integration of Aichi Bank + Chukyo Bank, with the bank subsidiaries...
- Aozora Bank (あおぞら銀行)A mid-tier independent bank of the old Nippon Credit Bank (NCB, 日債銀) lineage. A representative case in the history of Japanese-bank revival, having experienced 1998-12 management failure → s...
Links here
- Mori no Miyako Shinkin Bank (Sendai-area / Tohoku leader shinkin)Mori no Miyako Shinkin Bank (Morishin, headquartered in Aoba-ku, Sendai) is a leading Miyagi shinkin bank whose main operating base is Sendai City and Miyagi Prefecture. It is a cooperative...
- Boj Financial System DeptThe Financial System and Bank Examination Department (金融機構局) is the Bank of Japan's internal bureau responsible for bank examination of BoJ current-account holders, macroprudential surveilla...
- JapanFG financial reports 2020+ indexThis page consolidates into a single index the official financial reports, integrated reports, disclosure journals, securities reports, and parent-company annual-report entry points from 202...
- FSA Supervision BureauThe Supervision Bureau (監督局) is the FSA's internal bureau responsible for ongoing supervision and examination of licensed financial-services operators in Japan — banks, securities firms, ins...
- Regional Banks Association of Japan (Zenchugin-kyo / 全国地方銀行協会)Zenchugin-kyo (Daiichi Chiginkyo in industry shorthand) is the industry body for Japan's "first-tier" regional banks, the chiho ginko lineage descended from former local zaibatsu / prefectur...